About Our Independent Loan-Request Service

We operate an independent loan-request service: one online form that passes a personal loan request to lenders and lending partners, and a library of guides that explain rates, fees and repayment in plain language. Using the service is free.

When you submit a request, lenders review it. If one can make an offer, you see its terms on the lender's own website and decide whether to accept. We never lend money, approve applications, set rates or collect payments.

The guides exist because a loan is easier to judge when you know what to look for. Every page with figures labels them as estimates, and every page explains that the lender's written offer is the only binding source.

We are not a lender, a broker that negotiates on your behalf, a credit repair company or a debt settlement program. We also have no affiliation with Prospifi or prospifi.com.

Our domain contains a word that people type into search engines, and some visitors arrive expecting that company's website. If that is you, our site cannot reach your account or application there, and you should visit prospifi.com directly. We state this in the footer of every page so nobody is misled.

Nothing on our site is an endorsement from, or a description of, any company with a similar name.

We are paid by lenders and lending partners when we connect them with people who submit a request. Borrowers never pay us, and the payment does not come out of your loan.

That arrangement can influence which lenders receive a request. It does not influence the content of our guides, the rate ranges we publish or the lenders described on our comparison page, none of which have paid to appear. Our advertiser disclosure explains the details.

Our guides are written by a small editorial team, checked against lenders' published terms and public sources, and reviewed when rates or rules change. We write for people deciding quickly, so every section starts with a direct answer.

Articles carry pen names: Dana Whitlock, Marcus Reyes and Jordan Okafor. We use pen names so writers can work without personal contact from readers, and we disclose that here instead of inventing credentials. None of our writers is presented as a licensed financial adviser, and no article is personal financial advice.

Payment figures are calculated with the standard amortization formula and labeled as estimates. Rate bands are illustrations based on published lender ranges. If you spot an error, the contact page tells you how to reach us, and we correct mistakes promptly.

We will not publish star ratings, testimonials or customer counts that we cannot substantiate, and we will not promise approval. Those choices cost us some marketing appeal and protect readers from false confidence.

We also avoid language that pressures a decision. Our pages encourage you to compare at least two offers, to read the APR and the total repaid, and to decline any offer that does not fit your budget. We never ask borrowers for an upfront fee, and we warn readers about anyone who does.

Our service is for adults in the United States who need a personal loan between $500 and $5,000 and want to understand the cost before they commit. Typical needs include car and appliance repairs, emergencies and combining card balances.

It is not designed for business financing, mortgages, student loans or amounts above $5,000. For those, a bank, credit union or specialist lender is the better place to start.

Our office address, phone number and email address appear on the contact page and in the footer of every page. We answer questions about the form and our guides; questions about a specific loan belong with the lender that made it.

If you were looking for Prospifi when you found us, please go to prospifi.com. If you were looking for an honest explanation of how small personal loans work, you are in the right place. A Prospifi search led many readers here, and our aim is that each one leaves better informed than they arrived.